I went through this recently and I simply asked what they were testing for.

IT IS NOT A DRUG TEST. They are testing for AIDS. They could care less if you get high. What they don't want is someone to take the home OraSure AIDS test, that person then finds out they have AIDS, then they take out a multi-million dollar policy. This is fraud and the insurance company needs to protect themselves from fraud.

In the old days when a doctor notified you that you were infected there was a public record for the insurance company to review. I know what some of you are thinking, No your medical records ARE NOT private, you signed away that right of privacy when you applied for the insurance. (read the fine print on the application)

Best of luck with the test!
david_gaithersburg Reviewed by david_gaithersburg on . Life Insurance Testing... OK, so I've been lurking on these boards for a week or so. I've found some great information but not sure of the best route for me to take. I'm hoping I can get some kind help from people on these boards. Here goes. . . I am 33 years old, 5'10" and weigh 250 (former college football player). I have a physical scheduled on August 15th for a Life Insurance policy. They are coming to my house to take blood and urine. I scheduled the appointment for 6PM at night and it will have been 19 Rating: 5